1. What is Treasury Gateway?
2. How will the bank implement Treasury Gateway?
3. What is “pass-through” and why is it necessary?
4. Why do we need Treasury Gateway?
5. How does Treasury Gateway work?
6. How does Treasury Gateway benefit me?
7. Can I opt out of enrolling into Treasury Gateway?
8. Will my user ID and password change?
9. Will my business need to purchase new hardware or install new software?
10. Can I access my business accounts from multiple computers?
11. Can I still change my password within the linked services once it starts going through this process?
12. What if I forget my Treasury Gateway password?
13. What is a token?
14. What happens if someone steals my token or I lose my token?

Contact Us
For assistance, please contact your customer service representative or (800) 693-7695

1. What is Treasury Gateway?
Treasury Gateway incorporates the benefits of a single sign-on process, provides you the convenience of one website for all on-line services, and enhances security by helping you and your authorized staff access your business, bank accounts. The additional user validation at login gives you the confidence that only authorized individuals are accessing your accounts and moving your money.

[Top]

2. How will the bank implement Treasury Gateway?
Treasury Gateway is a multi-level authentication process used to identify users accessing on-line banking accounts. This implementation will occur in phases:

• “Pass-Through” Phase – When accessing a treasury service, users will be redirected to Treasury Gateway (our secure network) to enter their credentials rather than the service's usual main page. The Treasury Gateway landing page will look different, and once the user enters their current login information, a “connecting” page will be displayed as the information is transferred and logs the user into the requested service. This should only take a few seconds, but is important as we complete our integration efforts.
• Open Enrollment Phase – Users will be asked to enroll into Treasury Gateway over a four week period. The enrollment process is fast and easy to follow. On-line notifications will be displayed indicating the days remaining until users need to enroll to access and utilize their on-line bank services.
• Mandatory Enrollment Phase – Once the open enrollment period is over, users that did not enroll will be required to enroll into Treasury Gateway at this time. Again, the enrollment process is fast and simple.

[Top]

3. What is “pass-through” and why is it necessary?
Pass-through is a technical term referring to information passing through one system to another. During the first phase of this project, we will be transferring your login information through our strong authentication system to the service you have chosen. This phase is important since it will validate our strong authentication environment prior to the open enrollment phase. It is during open enrollment that you will set up your profile in Treasury Gateway.

[Top]

4. Why do we need Treasury Gateway?
Across the country all financial institutions are required by the Federal Financial Institution Examination Council (FFIEC) to implement layered security to services where transactions can occur and/or sensitive customer data is visible.

Also, to combat the increase in on-line fraud, Treasury Gateway will provide enhanced security to help protect access to your on-line business accounts by requiring login information that only the user would know and/or possess. Moving forward, each user will only need to use their single user ID, credential, and password to access all of our on-line business services.

[Top]

5. How does Treasury Gateway work?
When customers visit our branch offices, they know our faces and we know theirs. Treasury Gateway works in a similar manner but over the Internet. It is an enhanced security measure now offered to help identify us to our customers and protect their funds from fraudsters. By enrolling in Treasury Gateway, each user will be able to access all of their on-line business services from one secure website using their single user ID, credential, and password. Enrolling takes less than five minutes to complete.

After enrollment, users logging in will enter their user ID, they will either be asked to enter their one-time-password (OTP) 6-digit passcode (depending on the services they access) or asked a challenge question, then they will be presented with their Treasury Gateway image, and then they will be asked for their password. A successful authentication remains in effect for the duration of that login session for any service to which the user has been granted access.

[Top]

6. How does Treasury Gateway benefit me?
Treasury Gateway provides you with:

• A single website and single login where you can access your on-line banking services.
• An extra layer of security by validating that you are logging on the Bank’s official website instead of a fraudulent look-alike website, and verifying your identity to prevent unauthorized access to your accounts.
• Access to bank communications and information in one place.

[Top]

7. Can I opt out of enrolling into Treasury Gateway?
No – the Treasury Gateway implementation is our response to adhering to the Federal Financial Institution Examination Council (FFIEC) mandate, which applies to all financial institutions, to implement layered security. It is also in the best interest of our customers to comply with the additional security feature.

[Top]

8. Will my user ID and password change?
During the “pass-through” phase of our implementation, it will not change. You will enter the same information you do today. However, when open enrollment begins, you will establish your own user ID and password that will be used every time you enter Treasury Gateway and will give you access to all of the services you add to your profile. The system also allows you to change your password, image (picture), pass phrase and challenge questions through the maintenance function once you’ve logged in. You will be “locked out” if you incorrectly enter your login credentials or fail to answer your challenge questions correctly three consecutive times. Your Treasury Management customer service representative can assist you if you are locked out.

[Top]

9. Will my business need to purchase new hardware or install new software?
No hardware/software installation is required on the customer side. The authentication system and tokens are independent. Any tokens you may require will arrive pre-programmed, ready for user registration.

[Top]

10. Can I access my business accounts from multiple computers?
Yes, you can still access your business bank accounts from any number of computers. There is no limit on how many different computers you can register and use to login to your business bank accounts. We do not recommend registering a computer that is used by the general public, such as those found at the library or Internet coffee shops. If you are accessing Treasury Gateway from an unregistered computer, you will be asked one of the challenge questions that you established during enrollment.

[Top]

11. Can I still change my password within the linked services once it starts going through this process?
No. If you want to change your password, you will need to call customer support at (800) 693-7695

[Top]

12. What if I forget my Treasury Gateway password?
Call your Treasury Management customer service representative, who will provide you with a temporary password that you will be prompted to change upon successful login.

[Top]

13. What is a token?
The token you may receive is a security device (a physical “token”, see image below) provided by the Bank that displays a 6-digit passcode/tokencode. The token generates passcodes/tokencodes randomly every 60 seconds. The login screen will prompt you to enter your passcode/tokencode, and then you may proceed to complete the desired activity.

[Top]

14. What happens if someone steals my token or I lose my token?
Call your Treasury Management customer service representative, who will walk you through the steps necessary to complete your business transaction and order a replacement. Be assured that your accounts cannot be accessed with only the tokencode. Only the combination of user name, tokencode (if required), and password will allow user access.

[Top]